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BAR[_2_]

In article ,
says...

Hostess Brands acknowledged for the first time in a news report Monday
that the company diverted workers' pension money for other company
uses.

The bankrupt baker told The Wall Street Journal that money taken out
of workers' paychecks, intended for their retirement funds, was used
for company operations instead. Hostess, which was under different
management at the time the diversions began in August 2011, said it
does not know how much money it took.

Don't let other people hold your money, especially not the government
and not your employer.

I am surprised that you freaking geniuses haven't figured out that
government pensions and corporate pensions not guaranteed. Do some
research on the PBGC (http://www.pbgc.gov/).